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Onwards and downwards...

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  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Birthday!
    abba1772 wrote: »
    Happy belated birthday xx

    Thank you :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.86 to Mortgage
    £2.00 to debt savings
    £3.13 to em savings


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,233 - £1087 paid :T

    1 parcel posted today.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.93 to Mortgage
    £2.00 to debt savings
    £1.07 to em savings


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,231 - £1089 paid :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Happy belated birthday....and yep I can testify the forties are a cracking decade :D Am loving them :) :rotfl:
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    brizzledfw wrote: »
    Happy belated birthday....and yep I can testify the forties are a cracking decade :D Am loving them :) :rotfl:

    Thanks Brizzle :) I hope they improve from the first week of them :rotfl:
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.92 to Mortgage
    £2.00 to debt savings
    £1.08 to em savings


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,229 - £1091 paid :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.93 to Mortgage
    £2.00 to debt savings
    £1.08 to em savings


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,227 - £1093 paid :T
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm really struggling at the moment. My anxiety is through the roof and I think I'm suffering with a touch of depression too :( Everything is overwhelming me and I can't see to catch up with anything.

    Little miss has been ill this week, which has meant I've not been in work most of the week just after having taken a week off. That really stresses me out, especially as it's a really busy time at the moment. I'm not being as productive at work as well which is another stress. They suggested to me that I do a kind of secondment to another office and department. I think in normal times it would be really useful and I would be keen, but I wouldn't be able to cope with it at the moment, so I'm going to turn it down. I think I'm just pushing myself to the top of the redundancy list when it next happens :( I'm just trying to get through the day at the moment without anything else.

    I've now got little miss's lurgy which probably isn't helping matters. We've got little jwil's birthday and party next week which we need to sort out too,
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'll soon be able to do my new SOA and budget for the next year. Nursery is going to go up £50 a month :cry:, Council tax I think is up about £10 a month :( just waiting for that bill. Water is actually down about £3 a month, but it's still crazy high.

    Nursery will go down in December when little miss is 3, and then she'll get her free hours I think from January, so it should be relatively short term pain. I will have this tax credits overpayment to tackle at some point next year too though, but will wait for them to tell me what it is and when they want it back. I don't think DH's earned as much as I estimated so hoping it might reduce a bit.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Updated decluttering after half term:

    Decluttering 2018:

    156. Hot water bottle
    157. Pencil sharpener
    158. Bundle of discs
    159. Masking tape
    160. Battery charger
    161. Ipod case
    162-163. Electrical cables
    164 - 165. Rulers
    166-168. Photo paper packs
    169. Tippex
    170. Sim cards
    171-188. Pens
    189. Pencil sharpener
    190. pencil case
    191. Boxer shorts
    192. Ice cream tub
    193. Pack of notepads
    194-195. VHS cassette cleaners
    196-218. VHS cassettes
    219-225 CDs
    226. Toy truck
    227. Incomplete puzzle
    228. Video
    229-230. Sunglasses
    231. Straw
    232. Bauble
    233. Cup lid
    234. Shower hooks
    235. Necklace
    236-238. Keyrings
    239. Shower clock
    240. Small bear
    241. Lion King Figure
    242. Picture
    243. Ruler
    244-248. Window stickers
    249-250. Piggy banks


    Decluttering 2018 totals:
    Books: 97
    Magazines/papers: 44
    Ebay parcels: 233
    Other: 250

    Total: 624


    Ebay listings: 219

    Survey/other earnings:
    Amazon: £44.04
    Paypal/cash: £44.78
    Other vouchers:£0
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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